Key takeaway: The best restaurant credit cards boost your rewards on both dining and takeout to help you save more. They’re most effective when your typical restaurant spending is already high enough to offset any fees or category limits.
Best for everyday cash back: Chase Freedom Unlimited®
Here’s why: With the Chase Freedom Unlimited®, you get 3% Cash Back rewards on restaurant purchases, including takeout and eligible food delivery services.
You’ll also get 5% back on travel bookings made through Chase Travel℠, 3% cash back at drugstores and 1.5% on all other purchases. The annual fee is $0.
Best for a relaxing night at home: U.S. Bank Altitude® Go Visa Signature® Card
Here’s why: The U.S. Bank Altitude® Go Visa Signature® Card offers four points per $1 spent on restaurants, takeout and food delivery, on up to $2,000 each quarter (then one point per $1 spent).
Additionally, you’ll earn two points per $1 spent on grocery store purchases, on streaming services, and at gas stations and EV charging stations. All other eligible purchases earn one point per $1. Combined with a $15 annual streaming credit, you’ll have the makings of some great nights in.
The card has an annual fee of $0.
Best for dining credits: American Express® Gold Card
Here’s why: The American Express® Gold Card offers up to $10 in monthly statement credits when you enroll and pay with the card at a handful of partners, including Grubhub, The Cheesecake Factory and Five Guys.
You can also earn …
- Up to $7 in monthly statement credits at U.S. Dunkin’ locations when you enroll
- Up to $100 in statement credits each calendar year when you dine at U.S. Resy restaurants, with enrollment
- Up to $10 in Uber Cash each month, which you can use by selecting your American Express card as the payment method on Uber Eats orders or Uber rides in the U.S.
In addition to the credits, the card offers four Membership Rewards® Points per $1 spent on dining purchases, which includes takeout and delivery services in the U.S. (on up to $50,000 per year, then one point per $1 spent). Purchases outside of bonus categories earn one point per $1 spent.
The card has a $325 annual fee, so consider whether you’ll get more value out of the card than the fee before applying.
See if you have an offer for the American Express® Gold Card on Credit Karma (you must be logged in to see this offer).
Best for DoorDash: Chase Sapphire Reserve®
Here’s why: The Chase Sapphire Reserve® provides a complimentary 12-month DashPass membership when you activate by Dec. 31, 2027, which entitles you to free delivery and reduced service fees on eligible DoorDash orders.
The card also offers three Ultimate Rewards® points for every $1 spent on dining (including takeout and food delivery). After earning the card’s $300 annual travel credit, you’ll get four points per $1 spent on flights and hotels booked direct. All other purchases earn one point per $1.
Before applying, consider whether the card’s benefits outweigh the substantial $795 annual fee.
See if you have an offer for the Chase Sapphire Reserve® on Credit Karma.
Best for Uber Eats: American Express Platinum Card®
Here’s why: The American Express Platinum Card® offers up to $200 in Uber Cash annually, good for Uber rides and Uber Eats orders when you add the card to your Uber account and use it for payment.
As a premium travel card, it also provides access to world-class airport lounges. And when you enroll in both programs, you’ll be eligible to earn a $200 airline fee credit and receive complimentary Gold status at Hilton and Marriott hotels.
With a $895 annual fee, this card may be a good fit if your travel and lifestyle purchases help offset the cost.
See if you have an offer for the American Express Platinum Card® on Credit Karma (you must be logged in to see this offer).